Naveen Babu N.S.

Welcome to My Professional Portfolio

Naveen Babu N.S. | Senior Risk Systems Analyst | Driving Operational Risk, Credit Risk Analytics, Risk Governance & Data-Driven Decision Making

With 13+ years of experience across Banking and FinTech, I have built progressive expertise in Operational Risk Management, Credit Risk Analytics, Fraud Investigation, Credit Card Disputes, Risk Reporting, and Data Quality Management. I specialize in risk governance, control and issue management, credit risk metrics, IFRS 9 concepts, PD, LGD and EAD, regulatory reporting, root cause analysis, and risk assessment and mitigation. My expertise includes ServiceNow, Qlik Sense, Tableau, SQL, Google Cloud Platform (GCP), and advanced data analysis, enabling me to develop risk dashboards, strengthen data quality and governance, improve risk processes, and translate complex risk information into actionable insights for business and senior stakeholders.

Throughout my professional journey, I have built progressive experience across Banking, Risk Management, Data Analytics, and Financial Services, working with organizations including ANZ Support Services, Technicolor Services Private Ltd., and HDFC Bank Limited. Over the years, I have progressed from banking operations and data analysis into Credit Card Disputes & Fraud Investigation, Credit Risk Analytics, and ultimately Operational Risk Management. My experience has enabled me to work closely with business, risk, finance, modelling, and technology teams while supporting critical risk systems, regulatory reporting, data governance, and enterprise risk initiatives. My expertise spans Operational Risk Management, Credit Risk Analytics, Risk Governance, Control & Issue Management, Risk Metrics & Measurement, IFRS 9 concepts, PD, LGD & EAD, Data Quality Management, Risk Reporting, Fraud Investigation, Root Cause Analysis, and Stakeholder Management. I have worked extensively with ServiceNow, Qlik Sense, Tableau, SQL, Google Cloud Platform (GCP), Moody's Analytics, Pega, and VISIONPLUS to support risk reporting, data validation, dashboards, and analytical decision-making. As a ServiceNow Certified System Administrator (CSA) and recipient of a Best Team Award for successfully decommissioning the legacy COR system, I am passionate about leveraging risk expertise, technology, and data-driven insights to strengthen governance, improve controls, enhance operational efficiency, and enable better business decisions.

My Expertise

  • Operational Risk Management & Governance – Extensive experience supporting Operational Risk processes, risk governance frameworks, Control Management, Issue Management, Authority Documents, Control Objectives, Citations, and governance-related activities while strengthening organizational risk and control environments.
  • Credit Risk Analytics & Risk Metrics – Strong expertise in Credit Risk Metrics and Analytics, including PD, LGD, EAD, Expected Credit Loss (ECL), IFRS-based credit risk calculations, portfolio risk assessment, scenario analysis, stress testing, and risk measurement supporting business and regulatory requirements.
  • Risk Systems & ServiceNow – ServiceNow Certified System Administrator (CSA) with hands-on experience in ServiceNow administration, Workspace configuration, Control & Issue Management, custom views, filters, reporting, dashboards, user support, requirements gathering, and platform enhancement.
  • Risk Reporting, Dashboards & Data Visualization – Experienced in developing executive and operational risk reports and interactive dashboards using ServiceNow, Qlik Sense, Tableau, and data sourced through Google Cloud Platform (GCP), enabling effective monitoring of risks, controls, issues, and governance metrics.
  • Data Quality, Validation & Governance – Proven expertise in data validation, reconciliation, data quality management, data lineage, data transformation, and governance across enterprise banking and risk systems, ensuring accuracy, completeness, consistency, and reliability of critical risk information.
  • Fraud Investigation, Disputes & Chargebacks – Extensive experience managing issuer-side credit card disputes, fraud and scam investigations, chargebacks, transaction analysis, claim validation, representment, settlement monitoring, and fraud mitigation using platforms including CTM, Pega, VISIONPLUS, VROL, and Falcon.
  • Regulatory Risk & Compliance – Strong understanding of credit risk frameworks and regulatory requirements including APRA Prudential Standards, AIRB, FIRB, IFRS-based credit risk calculations, and APRA Capital Reform initiatives, with experience assessing the impact of regulatory and methodology changes on risk calculations and reporting.
  • Data Analytics & Technology – Hands-on expertise with SQL, SAS, Qlik Sense, Tableau, ServiceNow, Advanced Excel, Informatica PowerCenter, Google Cloud Platform (GCP), data warehousing, data transformation, reconciliation, and analytical reporting to generate meaningful risk and business insights.
  • Stakeholder & Cross-Functional Management – Experienced in collaborating with Risk, Finance, Credit Risk Modelling, Technology, Development, and business teams, translating complex risk methodologies and technical information into clear business insights while acting as a bridge between business users and technology teams.
  • Process Improvement & Risk Transformation – Passionate about improving risk processes through automation, stronger data controls, system enhancements, dashboard development, root cause analysis, and technology-driven solutions that strengthen governance, improve operational efficiency, and enable data-driven decision-making.

Professional Journey

With over 13 years of professional experience across Banking, FinTech, Risk Management, and Data Analytics, I have built a progressive career spanning banking operations, credit card disputes, fraud investigation, Credit Risk Analytics, and Operational Risk Management. My professional journey has been driven by a strong focus on risk governance, data quality, analytical problem-solving, process improvement, and leveraging technology to strengthen risk management and enable data-driven business decisions.

Currently, I serve as a Senior Risk Systems Analyst – Operational Risk at ANZ Support Services, where I support Control Management, Issue Management, and Operational Risk processes through ServiceNow. My role involves collaborating with business and technology teams, managing governance-related documentation, developing ServiceNow Workspace solutions, and designing risk reports and dashboards. I also work with ServiceNow data integrated into Google Cloud Platform (GCP) and develop reporting and visualization solutions using Qlik Sense and Tableau. As a ServiceNow Certified System Administrator (CSA), I contribute to data governance, risk reporting, system testing, UAT, process improvement, user support, and the successful implementation of risk management solutions.

Throughout my career, I have contributed to organizations including ANZ Support Services, Technicolor Services Private Ltd., and HDFC Bank Limited. At ANZ, my journey progressed from Customer Service Operations – Claims & Disputes, where I handled credit card disputes, chargebacks, fraud and scam investigations, into Credit Risk, where I supported risk metrics, ECL forecasting, scenario analysis, stress testing, data validation, regulatory reporting, and frameworks including APRA, AIRB, FIRB, and IFRS-based credit risk calculations. I subsequently transitioned into Operational Risk, strengthening my expertise across risk governance, controls, issues, reporting, and enterprise risk systems. With experience across ServiceNow, Moody's Analytics, Qlik Sense, Tableau, SQL, GCP, Pega, VISIONPLUS, VROL, and Falcon, I remain focused on combining risk expertise, technology, and analytics to strengthen governance, improve controls, enhance data quality, and support informed business decision-making.

Vision & Dedication

My vision is to become a transformational leader in Risk Management by combining strong risk governance, advanced analytics, technology, and data-driven decision-making to build resilient and well-controlled organizations. I aspire to strengthen Operational Risk and Credit Risk frameworks by improving controls, enhancing data quality, identifying emerging risks, and transforming complex risk information into actionable business insights. By leveraging platforms such as ServiceNow, advanced analytics, automation, and business intelligence solutions, I aim to enable organizations to make informed decisions while maintaining strong governance and regulatory compliance.

I am deeply committed to continuous learning, professional development, and expanding my expertise across Risk Management, FinTech, analytics, and emerging technologies. Through process improvement, risk automation, dashboard development, root cause analysis, and effective stakeholder collaboration, I continuously strive to improve the effectiveness of risk management processes. My dedication to analytical thinking, problem-solving, collaboration, and continuous improvement motivates me to contribute beyond traditional risk reporting and evolve as a strategic risk professional who helps organizations anticipate challenges, strengthen controls, and make confident, data-driven decisions.

Naveen Babu N.S.

Name: Naveen Babu N.S.

Email: babu.naveen007@gmail.com

Mobile: +91 9035502919, 9945603300

Location: Bengaluru, Karnataka, India

My Skills

Having worked within the industry for over 13+ Years, I have developed a wide range of skills that would meet and exceed the expectations for the role.

I would relish the opportunity to bring this level of success to your company. If you would like to get in touch to discuss my application and arrange an interview, you can contact me.

AREAS OF EXPERTISE


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Well versed with


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Language Skill

Language is absolutely central to your learning: without it, you cannot make sense or communicate your understanding of a subject.

  • English
  • Telugu & Tamil
  • Hindi
  • Kannada & Malayalam

My Exprience

13+ Years Exprience

Above and beyond my experience and capabilities I have been commended for my high level of interpersonal skills and my naturally engaging personality. My motivations include learning new things, the challenge of meeting the needs of an organisation, and ensuring high-quality outcomes.

ANZ

ANZ Support Services

As Sr. Risk Systems Analyst |Operational Risk
|Operational Risk
Mar 2015 – Present



Key Result Areas:

    • Provide support and resolution for user queries related to Control Management, Issue Management, and Operational Risk processes within ServiceNow.
    • Collaborate with business and technology teams to gather requirements and translate business needs into technical solutions.
    • Create and maintain Authority Documents, Control Objectives, Citations, and governance-related documentation.
    • Develop and enhance ServiceNow Workspace Pages, custom views, filters, and user-focused configurations.
    • Design, develop, and maintain risk reports and dashboards within ServiceNow to support risk monitoring and decision-making.
    • Coordinate with technology teams to source and integrate ServiceNow data from SNOW Mirror into Google Cloud Platform (GCP).
    • Validate, analyse, and manage risk data pipelines to ensure data quality, consistency, and accuracy.
    • Develop and maintain Qlik Sense and Tableau dashboards using data sourced from GCP.
    • Deliver executive and operational reporting through interactive dashboards and data visualisation solutions.
    • Support data governance, system testing, UAT, risk reporting, and process improvement initiatives.
    • Act as a bridge between business users and development teams to ensure successful implementation of risk management solutions.
    • Support user training and platform adoption activities related to ServiceNow and risk management processes.

    Dec 2019 – Jul 2024 | Risk Systems Analyst | Credit Risk

    Responsibilities:

    • Managed the ingestion and validation of manual data files into the Risk Authority (RAY) – Moody’s Analytics Engine.
    • Ensured data completeness, accuracy, and error-free processing for downstream credit risk calculations.
    • Monitored and supported End-of-Month (EOM) batch processing and generation of critical credit risk metrics.
    • Collaborated with Credit Risk Modelling, Finance, and Risk teams on Expected Credit Loss (ECL) forecasting, scenario analysis, stress testing, and portfolio risk assessment.
    • Provided subject matter expertise on data ingestion, calculation methodologies, and risk metric outputs.
    • Supported risk frameworks and regulatory requirements including APRA Prudential Standards, AIRB, FIRB, IFRS-based credit risk calculations, and APRA Capital Reform initiatives.
    • Translated complex risk methodologies and calculation logic into clear explanations for non-technical stakeholders.
    • Partnered with technology and development teams to improve risk systems, data quality controls, processing activities, and risk reporting.
    • Assessed the impact of product, policy, methodology, and regulatory changes on credit risk metric calculations.
    • Conducted detailed data analysis, reconciliation, validation, and quality control reviews across multiple systems.
    • Developed and maintained automated tools, documentation, and Excel macros for recurring business queries, historical trend analysis, what-if scenarios, and risk reporting.
    • Maintained historical data repositories and analytical datasets supporting business, audit, risk, and regulatory reporting.
    • Analysed data sourcing, transformation, and movement across enterprise banking systems including CAP/CTM, CACHE, VISIONPLUS, MIDANZ, AMBIT, and Customer Lending (CL).
    • Investigated data quality issues relating to product mapping, book-code classifications, risk ratings, portfolio segmentation, and regulatory reporting attributes.
    • Supported end-to-end data lineage analysis and troubleshooting across enterprise data warehouses and risk reporting platforms.
    • Executed post-production validation and testing following system releases and enhancements.
    • Performed UAT, regression testing, and post-implementation verification for risk calculation and reporting changes.

    Mar 2015 – Dec 2019 | Senior Analyst | Customer Service Operations – Claims & Disputes

    Responsibilities:

    • Processed and managed issuer-side credit card disputes and chargebacks throughout the complete dispute lifecycle.
    • Conducted detailed investigations of disputed card transactions using CTM and VISIONPLUS.
    • Reviewed debit and credit card transaction histories to assess claim validity and investigate unauthorised transactions.
    • Analysed transactional, customer, and dispute data using Pega and Microsoft Excel to identify trends and potential fraud indicators.
    • Investigated both fraud-related and non-fraud-related disputes in line with internal policies and industry regulations.
    • Managed chargeback processing, case tracking, evidence review, representment activities, and dispute monitoring through settlement.
    • Performed monetary adjustments, account corrections, and customer reimbursements while maintaining operational controls and quality standards.
    • Maintained productivity, quality, and SLA targets across dispute-processing activities.
    • Acted as a customer advocate while balancing customer experience, risk management, and regulatory requirements.
    • Collaborated with internal teams to resolve complex chargeback and dispute cases.
    • Analysed suspicious transaction patterns, potential fraud activities, and emerging scam trends.
    • Supported fraud detection and prevention initiatives by investigating unauthorised transactions and escalating high-risk cases.
    • Applied fraud-prevention methodologies to reduce chargeback volumes and minimise operational losses.
    • Communicated investigation findings clearly to internal stakeholders and customer service teams.
    • Supported escalated dispute cases and complex customer enquiries related to card transactions and fraud claims.

    Tools & Systems: CTM | Pega | VISIONPLUS | Visa Resolve Online (VROL) | Falcon | Microsoft Excel



Technicolour

Technicolour Services Private Ltd

As Junior Automation Technician
May 2013 – Oct 2014



Key Result Areas:

    • Maintained metadata of files received and files sent.
    • Performed data analysis and presented results using SQL, SSIS, MS Access, Excel, and Visual Basic scripts.
    • Imported, exported, and manipulated large volumes of data within tight deadlines.
    • Manipulated files and associated data for rapid delivery to clients and loading into internal databases.
    • Supported data-processing and file-management activities to ensure timely delivery of business requirements.



HDFC

HDFC Bank Limited

As Trainee
Jun 2010 – May 2011



Key Result Areas:

  • Supported the opening of Savings Bank, Salary, Fixed Deposit, and Term Deposit accounts.
  • Verified funds available for account opening and processed the required account credits.
  • Maintained and reported daily production details to managers.
  • Coordinated with team members and branch managers to facilitate faster account opening.
  • Ensured account-opening activities were completed accurately and without discrepancies.



CAREER ACHIEVEMENTS:

🏆 Career Progression & Risk Management Expertise

  • Built 13+ years of progressive professional experience across Banking, Risk Management, Credit Risk, Operational Risk, Fraud Investigation, and Data Analytics.
  • Successfully progressed from Customer Service Operations – Claims & Disputes into Credit Risk Analytics and subsequently into Operational Risk Systems, demonstrating continuous professional growth across critical banking risk functions.

🏆 ServiceNow Certification & Risk Governance

  • Achieved the ServiceNow Certified System Administrator (CSA) certification and developed hands-on expertise in ServiceNow administration, Control Management, Issue Management, risk reporting, dashboards, and Workspace configuration.
  • Contributed to strengthening risk governance and control-management activities through ServiceNow while supporting business users, governance documentation, reporting, and platform adoption.

🏆 Risk Analytics, Reporting & Data Transformation

  • Successfully supported critical risk-system data ingestion, End-of-Month (EOM) processing, data lineage, reconciliation, validation, and credit-risk reporting activities.
  • Developed and maintained risk dashboards and reporting solutions using ServiceNow, Qlik Sense, Tableau, and Google Cloud Platform (GCP), enabling improved risk monitoring and data-driven decision-making.

🏆 Credit Risk & Regulatory Reporting Expertise

  • Developed strong expertise across Credit Risk Metrics, Expected Credit Loss (ECL), data governance, risk data validation, scenario analysis, stress testing, and portfolio risk assessment.
  • Supported complex risk frameworks and regulatory requirements including APRA Prudential Standards, AIRB, FIRB, IFRS-based credit risk calculations, and APRA Capital Reform initiatives.

🏆 Team Excellence & Legacy System Transformation

  • Received a Best Team Award for contributing to the successful decommissioning of the legacy COR system.
  • Demonstrated strong collaboration across Risk, Finance, Credit Risk Modelling, Business, and Technology teams, translating complex risk and data requirements into practical business and technology solutions.

Education

My Educational Background

banglore-University

MSc – Computer Science

From Bangalore University

In 2013
banglore-University

BSc

From Bangalore University

In 2010

Training & Certifications:

  • ServiceNow Certified System Administrator (CSA).
  • Certified/Trained Fire Warden – Emergency evacuation support, workplace safety, and emergency response.

Contact Me

Lets Keep In Touch

  • Address

    Bengaluru, Karnataka, India

  • Mobile number

    +91 9035502919, 9945603300

  • Email address

    babu.naveen007@gmail.com

  • Social profiles

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My Resume

Declaration

I hereby declare that the details furnished above are true and correct to the best of my knowledge and belief and I undertake to inform you of any changes therein, immediately.

Naveen Babu N.S.

Download My Resume